| Customer Use Cases |
| Effortless Shariah Account Opening |
P1 |
Config |
OOTB onboarding journey + configure Shariah declaration step, UAE Pass integration via Grand Central connector, EID auto-fill. Downstream: T24 account creation API, eKYC provider. |
| Instant Shariah-Compliant Financing |
P1 |
Extend |
OOTB lending journey + extend for Murabaha/Ijarah profit-rate calculation widgets, Shariah contract generation. Downstream: T24 Islamic financing module, credit bureau API, document management. |
| Family Financial Hub |
P1 |
Extend |
Custom household aggregation widget, Zakat calculator, family goal tracker built on Backbase widget SDK. Downstream: T24 linked accounts, Shariah calculation engine. |
| Core Digital Banking |
Table |
OOTB |
Out of the box: accounts, balances, transactions, payments, transfers, bill pay, notifications. Configure branding, AR/EN locale. |
| Card Management |
Table |
OOTB |
Out of the box: card overview, freeze/unfreeze, spending limits, PIN change, Apple Pay provisioning. Downstream: Card processor API. |
| Self-Service |
Table |
Config |
OOTB profile management + configure document upload types, beneficiary management rules. Downstream: T24 customer update API. |
| Smart Notifications |
Table |
Config |
OOTB notification engine. Configure alert rules, thresholds, and delivery channels (push, SMS, email). |
| AI Chat & Support |
P2 |
Extend |
Backbase conversation widget + integrate external AI/NLP engine. Train on DIB product catalog and Shariah FAQ. Downstream: AI provider API, CRM ticketing. |
| Segment-Based Apps |
P2 |
Config |
OOTB composable app framework. Configure widget arrangements, entitlements, and feature toggles per segment. |
| Employee Use Cases |
| One View, Every Context (360°) |
P1 |
Config |
OOTB Digital Assist customer 360 view. Configure data widgets, product summaries, interaction timeline. Downstream: T24 customer API, CRM, card processor. |
| Guided Financing Assist |
P1 |
Extend |
OOTB assisted lending journey + extend for Shariah product configuration, real-time eligibility check, approval workflow. Downstream: T24 Islamic financing, credit bureau, compliance engine. |
| Case & Task Management |
P2 |
OOTB |
Out of the box: work queues, case lifecycle, SLA tracking, assignment rules. Configure case types and escalation paths. |
| AI Workload Forecasting |
P3 |
Extend |
Custom: integrate Backbase Intelligence Fabric with workforce management. Requires data pipeline + ML model training. |